budgeting

Happy Valentine’s Day to You! My Daybook, Friend to Friend, is now available on Amazon–get your paperback, hardcover, or e-book and start every day with good thoughts and inspiring words!

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July 4 (or 6!) Cooking for Liberty, Freedom and Independence from Yucky, Expensive, Unhealthy, and again, EXPENSIVE Food.

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Another of several videos showing you how to get really good in the kitchen, at making better food even as you spend less on groceries.

If you agree this is worth sharing, please do so, and please like and subscribe!

The 24-Hour Money Saving Rule

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Before I get to the money saving part, I would like to share with you the difference a day makes when writing queries to literary agents. I wrote a simply marvelous, utterly irresistible query yesterday, and because the internet went down, I had to obey my rule: Always wait 24 hours before submitting what you write to such luminaries as literary agents (I call them luminaries because they are readers and writers with power in my life!). And they seem to get a kick out of ridiculous/desperate query letters–I’ve noticed this when reading about how NOT to write one.

Back to my stunning query. When I approached it this morning with thoughts of a bit of tweaking (mostly just to enjoy my brilliance before sharing it) it had, in a mere 24 hours, become riddled with mush. It was confusing, disjointed, wordy–headache inducing.

I hope I fixed it. Perhaps waiting yet another twenty-four hours would have been wise.

And now for the money-saving part. This is hard to write because I’d rather not tell. But I am here to help! Last night (DON’T BUY THINGS ON THE NET AFTER MIDNIGHT) while listening to a YouTube video (DON’T WATCH YOUTUBE AFTER MIDNIGHT–also perhaps another good idea) I learned about Wal-Mart Plus–they deliver! I promptly signed up ($98 dollars with just a slight movement of a finger), made an order and then learned, well no, they don’t deliver to my house.

“Oh, sigh,” as my daughter used to say when things didn’t go according to plan. You know the rest of this sad tale: If I had heeded my own 24-hour rule, and waited until today, I would have perhaps done a little research before blithely tossing $98 down the Wal-Mart hole . . . And now I get the intense enjoyment of trying to sort this out.

So, just back off. Tell your money you’re the boss of it and it doesn’t get to go flying out of your hands whenever it wants to. Tell it you’ll talk again in 24 hours.

Do-It-Yourself Beauty–Hair, Makeup and More

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Frugality and Fridge Therapy

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Something From Nothing — $$ in the Kitchen

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https://www.youtube.com/watch?v=XA18l4N2Bl8

Save Money with Me! Groceries and Creativity.

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Wealth–It’s Not About Diapers or Tomatoes

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In answering a question about my view of wealth, I once answered “tomatoes.” I was thinking of my grandmother’s adept peeling of hot-off-the-vine, sun-split tomatoes from her garden, and eating their sliced deliciousness with nothing but salt and myself. Wealth.

That same grandmother once said, “Well! He did that just right.” She was watching John carefully fold and gently apply a soft, cloth diaper to Rebekah’s baby bottom. Wealth.

Rebekah, like her sister Hannah, didn’t fuss or cry when her diaper was wet. She sent in my direction a businesslike grunt of sorts and I responded immediately. No soggy bottoms on my watch, no sir! Wealth.

A lovely woman once discussed cloth diapers with me, telling me how other moms thought she was ridiculous for using them. “I enjoy the extra time, the interaction,” she said. I knew what she meant. We shared something precious, an understanding of the beauty, the wealth found in taking that extra moment to make things “just right.”

It’s a matter of opinion and preference, of course. With our fourth child, when John was changing a smelly diaper, he said, “We are not this broke. No more cloth diapers.” I didn’t argue. There was a new wealth at this time, one made of cash, one not as rich.

I am not suggesting you use cloth diapers or grow your own tomatoes. I am simply suggesting that wealth is made of moments shared.

Running From What Will Save Me–A Homemaking Thing

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For someone who loves home and family as much as do I, I certainly can get bent out of shape when my runaway plans go awry. This morning, after six days of shopping dates thwarted and nixed by various and sundry entities and events, I finally let it go. I finally said, “Maybe it’s best I stay home. Maybe I’ll make like a big girl Jesus-truster, and be still. Rest. Stop chomping at the bit, whining, fretting.”

I have quite a list (been adding to it for six days) of things I “need.” Is it possible that all those things I think and hear myself say that I “need” are just me justifying spending money that will be needed later for a better cause? “Patience, my dear. We know from experience where pressure gets us.”

Could it be that all I’ve said and re-said about home is true? That it is the most excellent place, the place for a creative grace to be had only at the hands of a truly attenrive home artiste? Might it be so that time and attention at home are always rewarded, as I’ve so often maintained, even as time and attention to shopping is often more regretted than rewarded?

I sit now in peace–the taker of my own advice: when at all possible stay home, and when you least want to do so, there’s likely a prize hiding behind that desire to flee, a treasure to be found and had by simply being still.

It could be the treasure of a new book idea, or finding and using what I have to recover those filthy bar stools, or thrilling my heart by trashing all my makeup unless I bought it in the last six months (nothing left except my almost-gone mascara). I might even fertilize my plants! I can even iron my linen shirts while listening to a French lesson or calling my sweet friend Pam. Snow’s coming–I’ll build a fire, fill the wood box, make a pot of soup. And back to the makeup idea–I can feel the thrill of putting it all in the trash even as I am writing this post!

Who knows what I’ll get up today? The brain is stirring up possibility.

Money for Things We Don’t Need

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In the life-enhancing, joy-bringing book, An Italian Journey by James Ernest Shaw is this truth: “Spending money for things we don’t need also makes us think we can’t afford to pay a fair price for things of precious value–like healthful food, great art, and inspired entertainment that celebrates mankind’s creative spirit.”

This can be seemingly insignifcant purchases, but oh, they are not! The curious thing is how we think we’re saving money at the big box store where tomatoes are half the price of those at the farm stand, not noticing that the big box tomatoes aren’t edible, while the farm stand tomatoes call our names with their scent before we can even see them. Everything about shopping at the farm stand satisfies. The price is only a part of good money management.

We think it’s good money management to choose the BOGO sale and yet wonder how we come home without what we need and after spending well beyond what we planned. We wrongly equate a full pantry with prosperity, even though it’s full of things we’d be better off without.

Things. Things can be groceries. Right now my pantry and freezers are each mixtures of things we’ll eat and things we’ll throw out. It is the old case of careless spending, rather than careful, focused, thoughtful purchasing of quality goods. It’s the rewarding of the bigger-but-not-better at the expense of the purveyors of quality, and at the expense of ourselves.

This is a big deal. I’m not at all talking about big business vs. small. I’m talking about quality vs. quantity, about the huge expense of going cheap, about cheating yourself and your family via spending your money on fluff.

And fluff makes us fluffy. Fluff is energy bars, instant oatmeal, dry cereal with cheap skim milk, microwave mac-n-cheese, corn syrup and sugar-filled drinks, 30-ingredient “snacks” and “treats” and other such fakiness. Expensive on every level. The richest people in the world can’t afford this.

If my husband reads this, he will likely hope I’m taking my own words to heart. Well, I am. This is a big deal.

P.S. For more on the subject of marriage and money, stay tuned (and buy!) The Maker’s Marriage, available October 12, 2021. Thanks!